Winter Risks: How Slip-and-Fall Claims Impact Your Business Insurance

Oklahoma winters may not be the worst in the country, but the mix of freezing nights, warm days, and sudden ice can turn sidewalks and entryways into accident zones. For businesses, slip-and-fall injuries are one of the most common claims filed during the winter months. Something as small as a thin layer of ice or a wet floor from customers tracking in snow can lead to a serious injury—and a costly claim.

These claims often involve medical bills, time off work, and sometimes legal action. Even a single incident can cost tens of thousands of dollars. That’s why preventing accidents is far cheaper than dealing with them afterward. Simple steps like salting walkways early, placing large floor mats at entrances, putting out clear “wet floor” signs, and checking problem areas throughout the day can make a huge difference. Keeping a record of your safety checks also helps prove you were doing your part if an accident ever happens.

Winter safety isn’t just about protecting customers—it protects your employees, your reputation, and your bottom line. A little effort now can save your business a major headache later.


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